Compare Bank & Credit Union Rates
Best CD rates in Kahului, HI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Kahului, HI
- Hawaiian Financial Federal Credit UnionShare CertificatesCD · 13 months · $2,000 min
Credit union · 1 branch
4.55%APY$494 over 13 months on $10,000Requirements
Product: Penalty for early withdrawal/closure. Fees could reduce earnings. Regular share certificate rates are simple interest paid monthly. Membership eligibility applies.
Offer: Simple interest paid monthly. Penalty for early withdrawal/closure.
4.55% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.50%APY$336 over 9 months on $10,000intro rate
Requirements
Product: Credit Union membership and Hawaii residency required. Choose terms from 6 months to 5 years. A penalty may be imposed for early withdrawals. Fees may reduce earnings.
Offer: Special offer celebrating 90th Anniversary. All funds must come from another financial institution. Minimum to open and earn APY is $1,000. Maximum aggregate balance of $250,000 per member, per term. Fixed for initial term only; renewal rate may vary. Early withdrawal penalty may apply. Not applicable to IRA Term Share Accounts. Available to Hawaii residents only.
Promotional rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: You must have a Regular Share (Savings) account to be eligible to open a Share Certificate. Dividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. Minimum balance is $1,000.
Offer: Dividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. You must have a Regular Share (Savings) account to be eligible to open a Share Certificate.
4.17% interest rate · Effective Oct 8, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Fixed rate. Dividends credited monthly to Regular Share account or back to certificate. Automatic renewal with early withdrawal penalty. Credit Union membership required ($5.00 par value).
Offer: Fixed rate. Dividends credited monthly to Regular Share account or back to certificate. Early withdrawal penalty applies. Automatic renewal.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: The Rising Rate CD is a series of four (4) consecutive 7-month CDs, and each rate shown applies only for the term indicated, not for the full 28-month period. A $10,000 minimum opening deposit and balance must come from a financial institution other than Finance Factors. Customers have a 10-day grace period at the end of each 7-month term to redeem funds without penalty. After the 4th term, CD renews into a 6-month CD at the then-current APY or funds can be redeemed. Available to State of Hawaii residents and businesses only. Penalty may be imposed for early withdrawal outside of the 10-day grace period.
Offer: 4th 7-month CD. Assumes interest will remain on deposit. Deposit must come from a financial institution other than Finance Factors. Available to State of Hawaii residents and businesses only.
Promotional rate · Effective Sep 21, 2026
Rate checked
More details - 4.05%APY$200 over 6 months on $10,000
Requirements
Product: Minimum deposit of $1,000. Dividends are credited back to the certificate or credited to regular shares on the last calendar day of the month. Early withdrawal penalty may be imposed. Fees may reduce earnings.
3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.
Offer: Limited time offer. Early withdrawal penalty applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.
Promotional rate · 3.93% interest rate · Effective Aug 1, 2026
Rate checked
More details - 4.00%APY$265 over 8 months on $10,000intro rate
Requirements
Product: Credit union membership is required. Fixed rate for the term. Dividends are compounded and credited monthly. Early withdrawal penalties may apply if funds are withdrawn before the maturity date. Fees may reduce earnings.
Offer: 8 Month 90th Anniversary Certificate Special. $1,000.00 minimum opening balance. Automatically renews into a 6 month term. Offer subject to change at any time.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: Available to Hawaii residents and businesses only. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal. Deposit must be drawn from a financial institution other than Finance Factors.
Offer: Assumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors.
Effective Sep 28, 2026
Rate checked
More details - 3.40%APY$340 over 1 year on $10,000with conditions
Requirements
Product: Requires new money from another financial institution. A Bankohana Checking account is required (can be opened with $500 minimum deposit). CD renews at Promo rate for one term, then Standard rate. Not applicable to retirement accounts.
Offer: Must be funded entirely from another financial institution in a single deposit. Not combinable with existing funds.
Qualified rate · Effective Jul 29, 2026
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More details - 3.40%APY$692 over 24 months on $10,000
Requirements
Product: Must be opened online. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal.
Offer: Assumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors.
Effective Jun 15, 2026
Rate checked
More details - 3.30%APY$330 over 1 year on $10,000intro rate
Requirements
Product: Available at branch locations to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal.
Offer: Assumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors.
Promotional rate · Effective Jun 15, 2026
Rate checked
More details - 3.30%APY$330 over 1 year on $10,000intro rate
Requirements
Product: Requires new money from another financial institution. CD renews at Promo rate for one term, then Standard rate. Not applicable to retirement accounts.
Offer: Must be funded entirely from another financial institution in a single deposit. Not combinable with existing funds.
Promotional rate · Effective Jul 29, 2026
Rate checked
More details - 3.10%APY$154 over 6 months on $10,000intro rate
Requirements
Product: Fixed interest rate until maturity. Non-promotional CDs require a $1,000 minimum balance to open. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Promotional rate for Deluxe & Private Banking Customers. Funds must originate from another financial institution. Online CDs available up to $50,000.
Promotional rate · Effective Oct 14, 2026
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More details - 3.05%APY$151 over 6 months on $10,000with conditions
Requirements
Product: Available in branch. Personal or business checking account required for promotional rates; Priority Banking checking, Private Banking, or PrimeTime/Primera membership required for Priority CD APYs. Penalty for early withdrawal. Monthly service charge is $0.
Offer: In-branch promotional rate. Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership.
Qualified rate · Effective Sep 3, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Kahului, HI
152 CDs at 12 banks and credit unions · checked Oct 3–22
- Typical
- 2.50%
- Top 10% from
- 3.73%
- Banks, typical
- 0.30%
- Credit unions, typical
- 3.00%
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Kahului, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Maui County Federal Credit UnionCredit union · 2 branches
- Finance FactorsBank · 1 branch
- Wailuku Federal Credit UnionCredit union · 1 branch